I've decided it's about time I got GAP insurance, before I forget about it.
Got 4 year quotes of £209 for Return to Invoice and £220 for Vehicle Replacement from ALA. Are these competitive?
Also, which is best for me? My car is an A3 Black Edition, 4 weeks old. I paid £27k, full before discount is £30k or near enough. Should I just go with their suggested maximum claim limit?
And finally, I don't know what my "full invoice amount before discount" is.
My basic car price was £21,570.83
Factory options: £2,341.67
Dealer options (extended warranty): £454.17
Delivery, PDI, de-wax: £491.06
First Registration fee: £55
Road Fund License: £115
Which of these do I include? Do I include the VAT? If so, I've got a VAT amount which is AFTER the dealer discount - should I recalculate what this would've been without the discount?